How to Keep Your Health Insurance When Moving to Another State

Keeping your health insurance after moving used to be difficult, but the healthcare reform in 2014 now allows people to keep their health insurance when moving from state to state. Insurance companies are no longer allowed to reject applicants for pre-existing conditions, which makes it possible to move and keep your health insurance. Read our guide below to learn more about keeping your health insurance after moving out of state.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

UPDATED: Nov 29, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

On This Page

Written By: Chris TepedinoReviewed By: Laura WalkerUPDATED: Nov 29, 2021Fact Checked

When the new health care reform laws go into effect in 2014, it will not make much difference what state you move to for your health insurance coverage because all insurance companies will be required to accept applicants regardless of any preexisting conditions they may have.

Until then, moving to another state when you have a preexisting condition can be a difficult decision and there may not be any acceptable solutions outside of settling for government-sponsored Medicaid.

Some health insurance providers provide coverage nationwide. If you are going to be moving around fairly often, it may be in your best interest to find a company that can travel with you. Because insurance is regulated at the state level, even this may not be sufficient in all regions, but it will work in most of the country.

Some states have high-risk insurance pools in place to help those who cannot get health insurance through traditional methods. Contact the department of insurance in the state you are planning to move to and ask them about high-risk coverage for your situation.

In some cases, if you are moving from a place where you had health insurance and you qualify for the high risk pool, the initial waiting period can be negated or shortened so that you are able to get the coverage faster.

By 2014, all health insurance companies will be required by law to accept applicants without regard to past or current medical conditions. It is not much benefit to someone who is moving tomorrow, but rest assured that there is help on the horizon.

Medicaid is a federal health insurance program intended to help people who cannot afford regular health insurance. Medicaid may not be able to help you if your income is too high, but if there are no other options available you can probably get coverage during the interim period before health care reform has become mandatory.

Photo by Meathead Movers

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

Full Bio →

Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent Laura Walker

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption